Utilizing vehicle telematics to detect, evaluate, and respond to driving behaviors

Abstract

Aspects of the present disclosure relate to using vehicle telematics to detect, evaluate, and respond to driving behaviors observed during a trip in a vehicle. The vehicle telematics information may characterize the observed driving behaviors, the segments traveled in the vehicle, and type of use of the vehicle. A rate to charge a driver may be based on the observed driving behaviors and a range of rates associated with the driver. The rate may fluctuate across a series of observation periods based on the driving behaviors observed during those observation periods. The rate may be presented to the driver in real-time while the driver operates a vehicle during a trip. The rate to charge the driver may further be based on use of the vehicle for personal use, ride shares, or vehicle shares.

What is claimed is: 
     
       1. A system comprising:
 one or more processors; and 
 memory storing instructions that, when executed by the one or more processors, cause the system to:
 receive vehicle operation data characterizing operation of a vehicle during a first period, wherein the first period has a first duration and comprises a plurality of second periods each having a second duration shorter than the first duration, wherein the vehicle operation data comprises, for each second period of the plurality of second periods, an indication of a quantity of driving segments traveled during the second period; 
 determine, for each second period of the plurality of second periods and based on the quantity of driving segments traveled during the second period by a driver, an amount to charge the driver; 
 determine, based on the amount determined for each second period of the plurality of second periods, a total amount to charge the driver for insurance coverage provided during the first period; and 
 send, to at least the driver, an indication of the total amount determined. 
 
 
     
     
       2. The system of  claim 1 , wherein the amount to charge the driver is determined based on a first indication of a first driving behavior that occurred during the second period and a second indication of a second driving behavior that occurred during the second period. 
     
     
       3. The system of  claim 1 , wherein the system receives the vehicle operation data via a wireless communication channel from a vehicle telematics device associated with the vehicle and configured to detect, using one or more sensors, operation of the vehicle. 
     
     
       4. The system of  claim 1 , wherein the instructions, when executed by the one or more processors, cause the system to select an insurance rate for a second period of the plurality of second periods further based on a prior insurance rate selected for a prior second period, and wherein the amount to charge the driver is determined further based on the insurance rate. 
     
     
       5. The system of  claim 1 , wherein the instructions, when executed by the one or more processors, further cause the system to select an insurance rate based on a type of a driving behavior of the driver, wherein the amount to charge the driver is determined further based on the insurance rate. 
     
     
       6. The system of  claim 1 , wherein the instructions, when executed by the one or more processors, further cause the system to select an insurance rate, based on a type of a driving behavior of the driver, that is greater than a prior insurance rate selected for a prior second period, wherein the amount to charge the driver is determined further based on the insurance rate. 
     
     
       7. The system of  claim 1 , wherein the instructions, when executed by the one or more processors, further cause the system to:
 receive, for a second period of the plurality of second periods, an indication of a ride sharing status of the vehicle; and 
 select an insurance rate for the second period based on the ride sharing status received, wherein the amount to charge the driver is determined further based on the insurance rate. 
 
     
     
       8. The system of  claim 1 , wherein the instructions, when executed by the one or more processors, further cause the system to:
 receive, for a second period of the plurality of second periods, an indication of a ride sharing phase of the vehicle; and 
 select an insurance rate for the second period based on the ride sharing phase received, wherein the amount to charge the driver is determined further based on the insurance rate. 
 
     
     
       9. The system of  claim 1 , wherein the instructions, when executed by the one or more processors, further cause the system to:
 receive, for a second period of the plurality of second periods, an indication of a vehicle sharing status of the vehicle; and 
 select an insurance rate for the second period based on the vehicle sharing status received, wherein the amount to charge the driver is determined further based on the insurance rate. 
 
     
     
       10. The system of  claim 1 , wherein the instructions, when executed by the one or more processors, further cause the system to:
 receive, for a second period of the plurality of second periods, an indication of an autonomous operation status of the vehicle; and 
 select an insurance rate for the second period further based on the autonomous operation status received, wherein the amount to charge the driver is determined further based on the insurance rate. 
 
     
     
       11. The system of  claim 1 , further comprising a data store, wherein:
 the data store stores:
 a first predetermined range of insurance rates to insure a driver for a first type of vehicle use; and 
 a second predetermined range of insurance rates to insure the driver for a second type of vehicle use; and 
 
 the instructions, when executed by the one or more processors, cause the system to:
 receive an indication of a type of vehicle use of the vehicle; and 
 select, as a range of insurance rates, the first predetermined range of insurance rates based on the type of vehicle use being the first type of vehicle use or the second predetermined range of insurance rates based on the type of vehicle use being the second type of vehicle use, wherein the amount to charge the driver is determined further based on an insurance rate that is within the range of insurance rates. 
 
 
     
     
       12. A computer-implemented method comprising:
 storing, at a data store of a server system, an insurance policy, wherein the insurance policy indicates a predetermined range of insurance rates to insure a driver for a driving segment traveled during a first period having a first duration, wherein the first period comprises a plurality of second periods each having a second duration shorter than the first duration; 
 receiving vehicle operation data characterizing operation of a vehicle during the first period, wherein the vehicle operation data comprises, for each second period of the plurality of second periods, an indication of one or more driving behaviors occurring during the second period; 
 selecting, from the predetermined range of insurance rates for each second period of the plurality of second periods and based on the indication of the one or more driving behaviors occurring during the second period, an insurance rate; 
 determining, for each second period of the plurality of second periods and based on the insurance rate selected, an amount to charge the driver; 
 determining, based on the amount determined for each second period of the plurality of second periods, a total amount to charge the driver for insurance coverage provided during the first period; and 
 sending, to at least the driver, an indication of the total amount determined. 
 
     
     
       13. The computer-implemented method of  claim 12 , wherein the selecting the insurance rate for the second period of the plurality of second periods comprises selecting the insurance rate further based on a prior insurance rate selected for a prior second period. 
     
     
       14. The computer-implemented method of  claim 12 , wherein the selecting the insurance rate for the second period of the plurality of second periods comprises selecting the insurance rate further based on a type of the driving behavior. 
     
     
       15. The computer-implemented method of  claim 12 , further comprising:
 receiving for the second period of the plurality of second periods, an indication of a ride sharing status of the vehicle, wherein the selecting the insurance rate for the second period comprises selecting the insurance rate for the second period further based on the ride sharing status received. 
 
     
     
       16. The computer-implemented method of  claim 12 , further comprising:
 receiving, for the second period of the plurality of second periods, an indication of a vehicle sharing status of the vehicle, wherein the selecting the insurance rate for the second period comprises selecting the insurance rate for the second period further based on the vehicle sharing status received. 
 
     
     
       17. The computer-implemented method of  claim 12 , further comprising:
 receiving an indication of an autonomous operation status of the vehicle, and wherein the selecting the insurance rate for the second period comprises selecting the insurance rate for the second period further based on the autonomous operation status received. 
 
     
     
       18. The system of  claim 1 , further comprising a data store storing an insurance policy, wherein the insurance policy indicates a predetermined range of insurance rates to insure a driver for a driving segment traveled during a first period having a first duration, wherein the first period comprises a plurality of second periods each having a second duration shorter than the first duration, wherein:
 the vehicle operation data further comprises an indication of one or more driving behaviors occurring during the second period; and 
 the instructions further cause the system to select, from the predetermined range of insurance rates for each second period of the plurality of second periods and based on the indication of the one or more driving behaviors occurring during the second period, an insurance rate, wherein the amount to charge to driver is further determined based on the insurance rate. 
 
     
     
       19. The computer-implemented method of  claim 12 , wherein the vehicle operation data further comprise, for each second period of the plurality of second periods, an indication of a quantity of driving segments traveled during the second period, and wherein the amount to charge the driver is further determined based on the quantity of driving segments traveled during the second period. 
     
     
       20. A non-transitory computer-readable medium having instructions, which when executed by one or more processors, the one or more processors to:
 receive vehicle operation data characterizing operation of a vehicle during a first period, wherein the first period comprises a plurality of second periods each having a second duration shorter than the first duration, wherein the vehicle operation data comprises, for each second period of the plurality of second periods, an indication of a quantity of driving segments traveled during the second period; 
 determine, for each second period of the plurality of second periods and based on the quantity of driving segments traveled during the second period by a driver, an amount to charge the driver; 
 determine, based on the amount determined for each second period of the plurality of second periods, a total amount to charge the driver; and 
 send, to at least the driver, an indication of the total amount determined.